Which factor does NOT contribute to higher out-of-pocket medical expenses?

Access to preventive care services is a significant factor in reducing out-of-pocket medical expenses. Preventive care includes services such as vaccinations, screenings, and wellness check-ups, which can identify health issues early on before they develop into more serious and costly conditions. When individuals have access to these services and utilize them, they are less likely to incur high medical costs from advanced sicknesses or complications.

In contrast, the other factors listed lead to higher out-of-pocket expenses. Lack of health insurance coverage leaves individuals responsible for the full cost of medical services, often making healthcare unaffordable. High deductibles in insurance policies require policyholders to pay a substantial amount out of pocket before their insurance coverage kicks in, often resulting in significant financial burdens during medical treatments. Unforeseen medical emergencies add to costs unexpectedly, since individuals may require immediate and often expensive care that their insurance may not fully cover.